This was the argument that persuaded me to switch from zsh to bash decades ago. But after a while I realized that it really didn't matter whether you used zsh on your own machine. When you ssh in to another machine that has bash on it, it's going to be similar enough that you're not going to feel lost.
Bash and zsh only differ in some of their more advanced features, which I rarely use or miss on machines I ssh in to -- unless I spend most of my time on those remote machines, in which case I'll just install zsh there too. The main thing from zsh that I do miss on bash is advanced globbing, which is more convenient than the find command, but when I'm forced to use bash I'll just use find, and it's really no big deal.
So I encourage you not to let the fact that most machines have bash installed on them deter you from switching to zsh, if you're interested in zsh. I know I regret the years lost that I didn't use zsh myself.